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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Bankrupt in 3 months, but can't pay any debts in them 3 months? Worse case scenario ?


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If you plan to declare yourself in some months, and have 4 credit cards you have been paying the minimum payment for every month.

 

But your expenditure has increases, and you have no disposible income int he bank account, which was paying the 4 credit card minimum payments, so for the next 2-3 months you wont be able to pay off your credit card minimum payments. (due to lack of funds)

 

and in month 2-3 you will consider declaring yourself bankrupt

 

so you are leading up to an ongoing problem of debt, that you cannot repay,

 

you have no money from your expenditure to pay these credit cards, you have no disposable income left, as it is all spent on your daily/weekly expenses

 

so as a result of this you have no money in your bank account wot pay the 4 direct debits, then them credit cards will not be paid.

 

(There is also a loan aswell, which is with a bank), and all credit card are popular high street banks.

 

Basically you will Not be paying your minimum payments to your credit cards, due to lack of funds, for 2-3 months, so what would happen?

 

What would happen then, within them 3 months?

- as a worse case scenario ?

 

a) from the credit card companies point of view?

 

b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc)

 

c) From your credit files point of view (which is already negative and damaged )

 

d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given)

- what would be the worse case scenario with their meeting? if any ?

 

e) Would CCJ's occour?

 

f) How many months worth - would they consider using CCJs against the debt?

 

Why considering BR in 3 months? they are looking at Debt management companies, and have had some unexpected personal family problems.

 

but were just wondering the worse case scenario for NOT paying your debts for a 3-4 month period, what would be the worse that would happen to you, your credit file, your debtors, your meeting with the OR when that happens)

 

---------------------------

 

Here it is in another simpler form:

 

If considering bankruptcy in a few months,

and currently you are in credit card debt, and loan debt (paying the minimum payment every month)

 

but 2-3 months coming up towards the time you will consider declaring yourself bankrupt you 'dont' pay any minimum payments to them 4 credit cards, and loads as you don't have the funds for them payments (due to your expenditure increassing)

 

then within them 2-3 months (now until 2-3 months in the future) ...what is the worse case scenario that will happen?

 

 

as you will be Missing your minimum payments to your credit cards + loan for months(as you have insufficient funds in your bank account)

 

so your minimum payments of the 4 credit cards will NOT be paid...

 

so asking within them 2-3 months would could happen to you/your credit/ your credit file etc?

(eg letters could be sent to you )

 

---------------------------

 

What would happen then, within them 3 months?

- as a worse case scenario ?

 

a) from the credit card companies point of view?

 

b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc)

 

c) From your credit files point of view (which is already negative and damaged )

 

d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given)

- what would be the worse case scenario with their meeting? if any ?

 

e) Would CCJ's occour?

 

f) How many months worth - would they consider using CCJs against the debt?

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If you go bankrupt, you give up everything you have propertywise and money etc. You list all your creditors on it, and the debts basically get wiped. However, it completely annihilates your credit rating. More so than having CCJ's or defaults on it. In the time leading up to it, if your creditors get an idea you are going for Bankruptcy ( especially the DCA's), be prepared for them to harass you like hell to try and get any money they can out of you.

 

But once that bankruptcy has gone through, there is NOTHING they can do as the debts no longer exist.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If you have been paying off the payment for a loan (high street bank) for years, but suddenly you cannot pay them (due to personal reasons causing your expenses to sore, and not have enough funds to pay them)

 

so due to this, you are unable to pay off the loan agreed amount/payments.

 

Here is an example

 

Oct - Paid Loan £100 -- you have funds!

Nov - Paid Loan £100 -- you have funds!

Dec - Paid Loan £100 -- you have funds!

Jan - PPaid Loan £100 -- you have funds!

Feb- Paid Loan £100 -- you have funds!

March- Paid Loan £100 -- you have funds!

April- Don't pay £100, (Due to insufficient funds)

May- Don't pay £100, (Due to insufficient funds)

June- Don't pay £100, (Due to insufficient funds)

July- Don't pay £100, (Due to insufficient funds)

Aug - Don't pay £100, (Due to insufficient funds)

Sep-Don't pay £100, (Due to insufficient funds)

 

Questions:

a) Then after 3 months of not paying the credit cards, what is the worse that can happen? - the worse case scenario ?

letters sent? CCJs ? Bailiffs? Fees ?

 

b) Then after 6 months (3 + Another 3 months) of not paying the credit cards, what is the worse that can happen? - the worse case scenario ?

letters sent? CCJs ? Bailiffs? fees?

 

c) What will happen with the bank account where the funds for the CC minimum payments were comming out from?

 

d) What happens to your credit file? what happens do your bank account? - from the worse case scenario?

 

Extra info

-There is no property, no car, no assets,

Credit cards are with high street bank companies

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If you have been paying off the 'minimum' payment for some credit cards for years, but suddenly you cannot pay them (due to personal reasons causing your expenses to sore, and not have enough funds to pay them)

 

so due to this, you are unable to pay off the credit card minimum payments.

 

Here is an example

 

CC1 = credit card 1 with a minimum payment of £40

CC2 = credit card 2 with a minimum payment of £70

 

Oct - Paid CC1 £40 + Paid CC2 £70 - you have funds!

Nov - Paid CC1 £40 + Paid CC2 £70 - you have funds!

Dec - Paid CC1 £40 + Paid CC2 £70 - you have funds!

 

Jan - Paid CC1 £40 + Paid CC2 £70 - you have funds!

Feb- Paid CC1 £40 + Paid CC2 £70 - you have funds!

March- Paid CC1 £40 + Paid CC2 £70 - you have funds!

April- Don't pay £40, don't pay £70 (Due to insufficient funds)

May- Don't pay £40, don't pay £70 (Due to insufficient funds)

June- Don't pay £40, don't pay £70 (Due to insufficient funds)

July- Don't pay £40, don't pay £70 (Due to insufficient funds)

Aug - Don't pay £40, don't pay £70 (Due to insufficient funds)

Sep-Don't pay £40, don't pay £70 (Due to insufficient funds)

 

 

Questions:

a) Then after 3 months of not paying the credit cards, what is the worse that can happen? - the worse case scenario ?

letters sent? CCJs ? Bailiffs? Fees ?

 

b) Then after 6 months (3 + Another 3 months) of not paying the credit cards, what is the worse that can happen? - the worse case scenario ?

letters sent? CCJs ? Bailiffs? fees?

 

c) What will happen with the bank account where the funds for the CC minimum payments were comming out from?

 

d) What happens to your credit file? what happens do your bank account? - from the worse case scenario?

 

Extra info

-There is no property, no car, no assets,

Credit cards are with high street bank companies

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If you go bankrupt, you give up everything you have propertywise and money etc. You list all your creditors on it, and the debts basically get wiped. However, it completely annihilates your credit rating. More so than having CCJ's or defaults on it. In the time leading up to it, if your creditors get an idea you are going for Bankruptcy ( especially the DCA's), be prepared for them to harass you like hell to try and get any money they can out of you.

 

But once that bankruptcy has gone through, there is NOTHING they can do as the debts no longer exist.

 

Thanks.

I know that, but am just asking what would be the worse case scenario that would happen if you didnt pay Crdit card and loan payments for say 4 months??

 

letters? ccjs? phone calls? bailiffs?

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Hi nationsheet

 

Could you please keep to one thread, I have merged both your different threads together as they are on the same subject it will make it easier for you to get the advice your are looking for.

 

Please be patient as its the weekend but I am sure the caggers will be along to give you there wisdom.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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unknown depends upon the creditor.

 

looked at reclaiming yet?

 

penalty fees?

 

PPI?

 

i'd start a thread about EACH debt and tell us the details

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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letters? ccjs? phone calls? bailiffs?

 

If your friend owes money then yes all of these things are possibilities (bailiffs could only be used after a CCJ has been awarded).

 

The idea of bankruptcy is that it wipes away all debts and assets, and you start fresh. Pre-bankruptcy debt cannot be enforced post-bankruptcy so there should be no CCJs or bailiffs after the bankruptcy.

 

Of course there might be options other than bankruptcy to consider, such as a debt management plan. Try giving national debt line a call.

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...why 2-3 months? I suspect if you just stopped paying and didn't do anything then the following would happen: month 1 would be letters and phone calls from the banks, month 2 would be frozen accounts, month 3-6 would be letters from their collections department month 6 default and sold to debt collectors - then they add their charges and chase you like hell for the outstanding balances.

People who haven't made mistakes, haven't made anything!

 

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